Credit Analyst

International Paper•Memphis, TN

9d•Onsite

About The Position

The Credit Risk Analyst engages with customers to collect financial statements and prepares written financial analyses and credit limit recommendations for management. The role evaluates customer creditworthiness and recommends limits in line with customer needs and the company’s risk appetite, while supporting informed credit decisions and strong customer relationships. The analyst conducts annual reviews of customer financial statements, personal financial statements, and/or tax returns; prepares recommendations for credit limits of $250,000 or more; and evaluates risk mitigations such as corporate guarantees, letters of credit, UCC filings, or lower sale terms. The role also reviews portfolio risk, manages daily credit holds, collaborates with Order to Cash, Sales, and Customer Service teams, and supports delinquency, bad-debt, and bankruptcy processes. This is a salaried, full-time position based at 1740 International Drive, Memphis, Tennessee. Limited travel of 10% is required. The posted pay range is $75,000–$87,000, with final placement depending on individual experience, skills, and abilities.

Requirements

Bachelor’s degree in finance, accounting, economics, or a related area.
Minimum of 2–3 years of applicable business experience.
Strong knowledge of operational, accounting, and finance topics.
Ability to understand and interpret credit-market factors and industry risks.
Ability to recommend credit limits and manage Order to Cash procedures for an accounts-receivable portfolio of $50 million or more.
Ability to make timely credit decisions using financial analysis, credit agency scores, references, payment history, and other indirect information.
Ability to communicate effectively with high-level financial managers.
Ability to research and resolve customer accounts-receivable discrepancies.
Ability to arrange payment plans, monitor delinquent accounts, and manage bad-debt reserves and write-off processes.
Understanding of credit and bankruptcy laws and procedures.
Proactive multitasking ability and excellent written, verbal, and active-listening skills.
Ability to develop effective working relationships with business Sales and Finance teams and external customers.
Proficiency with Microsoft Suite products and knowledge of SAP.
Skills in customer focus, timely decision-making, priority setting and time management, dealing with ambiguity, action orientation, drive for results, problem-solving, listening, conflict management, organizational agility, and self-development.

Nice To Haves

Experience providing credit limits, analyzing financials, and identifying bad-debt risk behaviors.
Proficiency in Order to Cash processes such as credit, collections, cash application, disputes, and billing.

Responsibilities

Gather customer financial statements and prepare written financial analyses and credit limit recommendations aligned with customer needs and the company’s risk appetite.
Analyze annual financial statements, personal financial statements, and/or tax returns to renew credit limits annually or support requests to increase credit lines.
Prepare credit limit recommendations of $250,000 or more using trade references, credit agency scores, and financial statement analysis as needed.
Evaluate risk mitigation strategies, including corporate guarantees, letters of credit, UCC filings to secure a lien position, and lower sale terms.
Prepare and conduct annual portfolio credit risk reviews for Regional General Managers, Region Controllers, and Senior Credit management, with emphasis on high-risk accounts, customer margins, sale terms, and Days Sales Outstanding.
Manage the daily order credit-hold process for significant past dues and/or credit-limit overages, engaging Customer Service, Sales, and collectors to resolve issues and release orders.
Collaborate with Order to Cash teams, Sales, and Customer Service to resolve accounts-receivable issues and high-risk situations while supporting customer relationships.
Assess delinquent accounts for payment plans, settlements, or non-collectability, using credit agency scores and public information to recommend bad-debt reserves when needed.
Prepare and submit proof of claim to the court in bankruptcy cases.
Monitor bad-debt receivables with outside collection agencies, audit collection activity, review recommendations and next steps, and liaise with internal Sales and Legal teams.
Prepare accurate accounts-receivable and risk-performance reports as required.
Research and resolve customer accounts-receivable discrepancies; arrange payment plans; monitor delinquent accounts; and manage bad-debt reserves and write-off processes.
Demonstrate leadership by helping improve team skills, providing effective support and guidance, maintaining a positive team influence, and being dependable and reliable.